I am thinking about contacting payplan, what i need to know is this
1. how succesful they are.
2. also if i enter into a dmp what effect will this have on my credit score
3. does entering into a dmp mean having a charge put on my house (i own it but mtgged of course) there isn't a huge amount of equity in it maybe £15k - £20k
4. would i still be able to have a credit card, as i need to buy fuel for my car which gets reimbursed by my company on a monthly basis,
5. sorry forgot to add, i have a fixed rate mtg that is coming to an end in august this year and will need to remtg hse at this point, what effect would a dmp have on this too.
Any other advice would be most welcome, seems like i am not alone with this situation by the looks of things